The Home Energy Loan Program (HELP), administered by the Louisiana Department of Natural Resources (DNR), allows homeowners to get a five-year loan to improve the energy efficiency of their existing home. DNR subsidizes half of the financing for energy efficiency improvements at a low interest rate to participating lenders, up to a maximum DNR subsidy of $6,000. Each participating lender sets the maximum loan amount offered to homeowners, as well as the interest rate that is charged to the homeowner. A homeowner can qualify for an energy improvement loan in two ways – either through an energy audit in which an Energy Home Rater makes recommendations, or by choosing pre-approved home improvements as designated by the program.

In order to participate, a homeowner must contact a participating lender directly and must complete a credit application. The HELP home improvement loans may either be consumer loans or second mortgages; this is left to the discretion of the participating lender. A list of participating lenders, pre-approved home improvements and limits to participation are available on the program web site.

A homeowner cannot participant in both the Louisiana Home Energy Rebate Option (HERO) Program and the HELP program at the same time, and can only participate one time per property. See guidelines on maximum times of participation.

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